entitlements to keep this going if the older people are taking their jobs away, it's problem. >> it's not win-win for everybody. first of all, people are living longer, they have to work longer. so people thought they could retire at 65 because their house is worth a lot more five years ago. they have to work longer, they can't retire on that. but ex excess labor is not bad. it means wages aren't going to take off, which means no inflation will have 'cause you'll have more people competing for the same job. you don't have to pay them more, which means, again, it's -- if you want to retire early, live a long time, yeah, it stinks. it's not as good as it was when your house is worth more when you can retire earlier. but for the economy, remember when you work longer, you'll spend more, it's good all around. >> well, john out there in bermuda, work hard, you weigh in on this now. >> toby is right, i retired more times than brett favre.